.efc-cards {
  --efc-accent: #f4511e;
  --efc-ink: #1b2733;
  --efc-muted: #6b7178;
  --efc-border: rgba(25, 45, 65, .09);
  --efc-card-bg: #fff;
  --efc-radius: 12px;
  --efc-gap: 18px;
  width: 100%;
  margin-inline: auto;
  display: grid;
  grid-template-columns: repeat(3, minmax(0, 1fr));
  gap: var(--efc-gap);
  grid-auto-rows: max-content;
  align-content: start;
  font-family: Arial, Helvetica, sans-serif;
  color: var(--efc-ink);
  direction: ltr;
  text-align: left;
  box-sizing: border-box;
}

.efc-cards *,
.efc-cards *::before,
.efc-cards *::after { box-sizing: border-box; }

.efc-card {
  min-width: 0;
  width: 100%;
  height: auto;
  min-height: 164px;
  padding: 24px 23px 22px;
  border: 1px solid var(--efc-border);
  border-radius: var(--efc-radius);
  background: var(--efc-card-bg);
  box-shadow: 0 10px 28px rgba(27, 39, 51, .045);
  transition: transform .22s ease, box-shadow .22s ease, border-color .22s ease;
}

.efc-card:hover,
.efc-card:focus-within {
  transform: translateY(-3px);
  border-color: rgba(244, 81, 30, .25);
  box-shadow: 0 16px 34px rgba(27, 39, 51, .10);
}

.efc-card__top {
  display: flex;
  align-items: flex-start;
  gap: 14px;
  margin-bottom: 13px;
  min-width: 0;
}

.efc-card__icon {
  flex: 0 0 34px;
  width: 34px;
  height: 34px;
  color: var(--efc-accent);
  display: inline-flex;
  align-items: center;
  justify-content: center;
}

.efc-card__icon .efc-card__svg,
.efc-card__icon > svg,
.efc-card__icon > i {
  display: block;
  width: 100%;
  height: 100%;
}

.efc-card__icon .efc-card__svg {
  fill: none;
  stroke: currentColor;
  stroke-linecap: round;
  stroke-linejoin: round;
  stroke-width: 1.9;
}

.efc-card__title {
  min-width: 0;
  max-width: 100%;
  margin: 0;
  padding-top: 1px;
  font-size: clamp(16px, 1.45vw, 19px);
  line-height: 1.22;
  font-weight: 700;
  letter-spacing: -.01em;
  white-space: normal;
  overflow-wrap: anywhere;
  word-break: break-word;
  hyphens: auto;
}

.efc-card__text {
  min-width: 0;
  width: 100%;
  max-width: 29ch;
  margin: 0;
  color: var(--efc-muted);
  font-size: 14px;
  line-height: 1.55;
  font-weight: 400;
  white-space: normal;
  overflow-wrap: anywhere;
  word-break: break-word;
  hyphens: auto;
}

@media (max-width: 820px) {
  .efc-cards { grid-template-columns: 1fr; }
  .efc-card { min-height: auto; }
  .efc-card__text { max-width: 48ch; }
}

@media (prefers-reduced-motion: reduce) {
  .efc-card { transition: none; }
  .efc-card:hover,
  .efc-card:focus-within { transform: none; }
}